Say goodbye to the 4% rule
If you have been studying up on retirement income, at some point you have probably come across the 4% rule. Over all of the 30-year historical periods we can identify in past U.S. data, retirees who withdrew 4% of their retirement date assets and then adjusted that spending amount for inflation in subsequent years would have always been able to avoid running out of funds.
Pfau, Wade, "Say goodbye to the 4% rule" (2012). Faculty Publications. 157.